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2015 Summer Issue

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The 2015 Summer Issue of the Dallas Insurance Insider

Text of 2015 Summer Issue

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    014

    Tex

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    While we cant guarantee dividends every year, Texas Mutual Insurance Company has returned over $1.6 billion to safety-conscious

    policyholder owners since 1999. Texas Mutual Insurance Company is rated A by A.M. Best Company.

    Your Clients Belong at the Corner of Safety and Dividends.

    What if there was a workers comp provider that really cared about safety?

    They cared so much that they rewarded policyholder owners who prevented

    accidents with $1.6 billion in dividends? That would make a real differenceso

    we made it happen. Texas Mutual is committed to helping agents deliver one,

    simple message: Work Safe, Texas. It s not just good adviceit s the place

    where Safety and Dividends come together. And its where your clients belong.

    Learn more about safety-focused workers comp at WorkSafeTexas.com.

  • PRESIDENTIAL ADDRESS

    IIAD this current year have had several luncheon speakers visit about the value of Industry Best Practices for agency operations. Our emphasis on Best Practices is to remind our membership of the value of numbers that can be tools to determine proper staffi ng, manage expense ratios and profi tability. We encourage all our members to review and utilize Best Practices Study to better understand performance of business operations. The measurement of your operation and comparison to top performing agencies is invaluable to your success. Results of agency operations include: Income and Expense Revenue and Profi tability Sales and Service Staff compensation and productivity Technology Expenses Carrier representation And much more The study can be purchased from the Independent Insurance Agents & Brokers of America. IIAD Board of Directors continue to think and brainstorm ways to provide quality programs to our membership through Best Practices,

    Education, All Industry Day activities, Young Agents, Golf Event, Monthly luncheons, Community Service and Invest. We conduct our annual survey as a tool and opportunity for our members to inform us of their needs and ideas to enhance and foster the Independent Agency System. Our hope is that you will be an active participant in our events and always voice your opinion as to our performance in supporting our membership partners.

    Best Wishes for Profi table Success, Your President, Brook Crawford

    Our hope is that you will be an active participant in our events and always voice your opinion as to our performance in supporting

    our membership partners.

  • Discover hull & co.

    Give us the opportunity to work with you and show you how hull does it better!

    Proud members of IIA, PIA, AAMGA, NAPSLO, TSLA & IIAD.

    For more information, please call your Hull Representative

    or email [email protected]

    DallasToll Free: 800-765-HULL

    Phone: 972-789-1962Fax: 972-789-1967

    HoustonToll Free: 877-256-HULL

    Phone: 281-759-4855Fax: 281-759-7245

    Weve got the markets In-housefacilities Admitted Non-Admitted

    Weve got the coverage Transportation Casualty CommercialProperty CommercialMarine InlandMarine

    Weve got more Service Professionals Experience

    CasUaLTyAllied HealthcareArtisan ContractorsCommercial Umbrella & Excess LiabilityContractors GeneralContractors - ResidentialEarthquakeEntertainment, Sports & LeisureLiquor LiabilityMercantilePremises LiabilityProduct LiabilitySpecial Events/Spectator Liability

    CommerCiaL ProPerTyApartments, HabitationalConvenience StoresGas StationsLessors RiskMixed MercantileMunicipalitiesVacantsWind Deductible Buybacks

    TransPorTaTionEnvironmentalMotor Truck CargoPollution Legal LiabilityPrimary & ExcessWorkers Comp

    inLanD marineBaileesContractors EquipmentEDOInstallation FloatersTrip Transit

    ProFessionaL LiabiLiTyCyber LiabilityD&OEPLIMedia/Internet LiabilityMisc. Professional E&OProducts Liability

    ask aboUT:Excess Liability & UmbrellaCommercial MarineWatercraft

    HullTX_TSLA_Texas_Product_Guide_Ad_7.5x10.indd 1 1/23/14 10:52 AM

  • 7EXECUTIVEADDRESS

    TRIIAD is the new IES initiative launched at the end of the last scal year. The acronym stands for Training, Recruiting for IIAD, so an acronym within an acronym, (just because we dont have enough acronyms in our industry already!) The purpose of this program is to serve a growing need for the development of new service talent for our industry. Everywhere we turn we are hearing statistics about our aging workforce and the devastation that will occur when the silver tsunami hits. Proactively seeking out a solution for this impending problem, our IIAD & IES Boards have created TRIIAD to provide trained and licensed entry-level agency candidates.

    To date, we have had four individuals successfully complete the program, and have placed two. There are two candidates looking to enter the workforce. The candidates graduate from TRIIAD with a license, AMCL designation and basic technical instruction, including management system training. A media campaign to reach college and high school students is in place,

    but more candidates are needed. Please be on the lookout for additional aspirants that are interested in a challenging, but rewarding career in insurance. IES Director Jaimee Goehring will be happy to discuss the parameters of the TRIIAD program and meet with prospective applicants.

    Usually at this time of year, things are slowing down a little at IIAD. As I write this, we are still waiting to hold our golf tournament. Mother Nature has not played nicely with us, and Bill is currently wreaking havoc on our friends in Houston, Austin, and quite frankly all around Texas. We would like to encourage those that are able to contribute to a special IICF fund set up to help people devastated by the ooding and tornadoes. Please head to our website, click the link, and make your pledge, or visit http://bit.ly/IICFFloodRelief. Our goal is to raise $50,000 to be matched by IICFs National Board. Together, we can make a difference.

    TAMMY LANDEXECUTIVE DIRECTOR OF IIAD,

    Together, we can make a difference.

  • Gary LINDSEYYoung agents president,

    YOUNG AGENTSPRESIDENTIAL ADDRESS

    As the IIAD year comes to a close, I would like to take this opportunity to express my gratitude to IIAD, its staff, and the membership for allowing me to serve as the Young Agents President. It has been an honor and a privilege to work with some of the finest insurance professionals Dallas has to offer. We are fortunate to have such fine people within our industry, and I look forward to continuing to achieve our mutual goals together.That being said, I would like to introduce David Shotts with USI Southwest as the new Young Agents President, and Lindsey Kluempers of Boyd, Shackelford, and Barnett, who will serve as his Vice-President. I have no doubt they will both do a fine job.This year was such an amazing experience. From the well-attended Young Agent Socials, to the thoroughly enriching philanthropic endeavors, it has been a truly rewarding journey. With your help, the Dallas Young Agents were able to improve the lives of many groups of people, while having a good time. Thank you all again for your support; as I look forward to continuing to participate with the IIAD and Young Agents, and wish every one of you a fantastic finish to 2015.

  • PROFESSIONAL LIABILITY

    Take your professional liability business to new heights.

    At Burns & Wilcox, our expertise becomes your expertise. Whether it is cyber liability or medical malpractice, EPLI or fiduciary liability, we will ensure your clients avoid any gaps in coverage. Raise the level of your professional liability expertise with Burns & Wilcox.

    Commercial | Professional | Personal | Brokerage | Binding | Risk Management Services

    Dallas/Fort Worth, Texas | 817.652.1277toll free 800.442.1496 | fax 817.385.4911dallas.burnsandwilcox.comHouston, Texas | 713.268.7700toll free 800.400.4447 | fax 713.782.0445houston.burnsandwilcox.com

    38013 Burns Professional Liability RSZ for IIA Dallas APPROVED.indd 1 7/1/15 2:42 PM

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    iiad in the CommunityPictured to the left is (LtoR) Tammy Land, Bill Henry, and Denise Tucker standing in front of a $10,000 check gifted to the Woodrow Wilson Academy of Finance Program at the IICF Texas-Southeast Grantee Reception. Below are pictures from the April Academy of Finance Expo that took place at IIADs office. Twenty-two students from the Academy of Finance at WWHS participated in this event. The initial feedback the students provided from the Dress for Success and Interviewing Techniques sessions was very positive. IIAD also provided soft skills learning and by mentoring these young people offered a shining example of what our

    industry community does best: help others.

  • With more than 30 of the top brokers and underwriters in Texas, providing resources to help you win business

    and grow is always on our to-do list.

    AmWINS Brokerage of Texas has expertise in a variety of industries and coverage types including:

    Property all lines including catastrophe perils

    Casualty all lines including energy, construction and manufacturing

    Financial Services D&O, E&O, cyber and professional

    Energy upstream & downstream and control of well

    Transportation short haul, long haul and commercial auto

    Worker Injury workers compensation and non-subscription (TX and OK)

    Binding Authorities property, casualty, transportation and packages

    Contact any AmWINS Brokerage of Texas broker or underwriter for assistance.

    Dallas Office 5910 N. Central Expressway | Suite 500 | Dallas, TX 75206 | 214.528.3999

    Houston OfficeTwo Greenway Plaza | Suite 400 | Houston, TX 77046 | 713.481.1680

  • With more than 30 of the top brokers and underwriters in Texas, providing resources to help you win business

    and grow is always on our to-do list.

    AmWINS Brokerage of Texas has expertise in a variety of industries and coverage types including:

    Property all lines including catastrophe perils

    Casualty all lines including energy, construction and manufacturing

    Financial Services D&O, E&O, cyber and professional

    Energy upstream & downstream and control of well

    Transportation short haul, long haul and commercial auto

    Worker Injury workers compensation and non-subscription (TX and OK)

    Binding Authorities property, casualty, transportation and packages

    Contact any AmWINS Brokerage of Texas broker or underwriter for assistance.

    Dallas Office 5910 N. Central Expressway | Suite 500 | Dallas, TX 75206 | 214.528.3999

    Houston OfficeTwo Greenway Plaza | Suite 400 | Houston, TX 77046 | 713.481.1680

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    Independent Insurance Group hosted their Spring Food Truck Picnic on Friday, April 17th, 2015. Many people came to chow down on sliders, mini cupcakes, and socialize. IIG hosts several fun events like this throughout the year to promote their fun workplace

    culture.

    IIAD MEMBERS IN THE COMMUNITY

    Pictured to the left are employees of Burns & Wilcox standing by their clothing donation for the Career Closet. The Career Closet is an IIAD initiative that helps get students from Woodrow Wilson dressed in business professional attire. IIAD continues to accept donations for the Career Closet throughout

    the year.

  • IT TAKES WORK TO CLIMB TO THE TOP...

    Help someone take the first step.

    If youre looking to hire a career driven candidate or you know someone who is ready to take the next step in their career, TRIIAD is here to help.

    OVERVIEW

    The Insurance Employment Services in conjunction with The Independent Insurance Agents of Dallas have the connections and the tools required to propel youngand motivated candidates toward a successful career. Our T.R.I.I.A.D program has been specially designed totrain and prepare candidates for a future in the insurance industry. For 5 weeks, chosen participants will be provided with the following:

    P&C General Agents License Class & Test Account Manager Commercial Lines (AMCL Designation) Basics of Commercial Insurance Training Class Interview Preparation & Coaching Job Placement

    BENEFITS

    Upon the completion of our T.R.I.I.A.D Program,participants will be assisted in job placement atpositions starting with a salary range of $30,000-$35,000

    For More Information Contact:Jaimee Goehring, CIC, CISRIndependent Insurance Agents of DallasInsurance Employment Services Director12001 North Central Expressway, Suite 100Dallas, TX 75243Office:(214) [email protected] www.iiadallas.org

    Independent I

    nsurance Agen

    ts

    of Dallas

    1883

    EST.

    A Career Initiative Program

  • 15

  • Member Spotlight: ANNABEL WILLIAMS, AIG

    Annabel Williams, Regional Travel Risk Specialist for AIG, spends some free time on her weekends teaching Turbo Kickboxing and Dance Cardio at a posh womens-only class studio near downtown Dallas. Pictured above is her teaching Dance Cardio at her Saturday morning class. Annabel is an active IIAD member through her work with the Young Agents Committee as head of the Education sub-committee, her

    involvement with InVEST, and her involvement with All Industry Day.

    If you take part in an interesting activity outside of work and would like to be featured in the Dallas Insurance Insider,

    please contact 214-217-2900 for consideration.

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    Great American Insurance and AmWins partnered together to bring the Young Agents a sand volleyball tournament on Thursday, May 28th, at Sandbar Cantina and Grill. The event drew in over

    100 insurance professionals and a few showcased their skills (and lack thereof) in the sand.To sponsor a Young Agents event, contact Elizabeth Nelson at 214-217-2900.

  • 2015 IIAD Golf Tournament: FUN IN THE SUN

    Despite the 2015 Golf Tournament being rescheduled due to Texas rain and flooding, the Dallas Athletic Club saw 288 IIAD members golfing, eating, drinking, and having a great time on both courses during THE tournament on JUNE 22nd. HERBS PAINT AND BODY PROVIDED A GREAT KICKOFF TO THE DAY WITH BRATS AND LUNCH GOODIES WHILE GOLFERS

    LISTENED TO LIVE AMERICANA MUSIC. THE COURSE WAS FILLED WITH GOODIES INCLUDING tacos and DIY ICE CREAM SUNDAE BOOTHS, ALCOHOLIC AND NON-ALCOHOLIC BEVERAGES, AND

    VARIOUS COMPANY SWAG.

    SOUTHERN COMFORT FOOD WAS SERVED FOR DINNER AND IIAD ANNOUNCED THE WINNERS ON BOTH COURSES. THE GUTS AND GLORY SHOOTOUT TOOK PLACE DURING DINNER AS WELL, ALTHOUGh WE KNOW A FEW OF YOU SNUCK OUT BEFORE DINNER AND WE DONT BLAME YOU- IT WAS PIPING HOT OUTSIDE! AT

    LEAST WE COULD ENJOY THE RAIN AND LOW SUMMER TEMPeratures WHILE THEY LASTED.

    THE TOURNAMENT HAD A 50/50 MIX OF AGENTS AND CARRIERS/VENDORS AND IIAD WILL CONTINUE TO FACILITATE INDUSTRY BUSINESS DEVELOPMENT THROUGH ITS EVENTS AND FUNCTIONS. IF YOU WANT TO RECOMMIT TO A SPONSORSHIP IN 2016, PLEASE CONTACT TAMMY LAND AT [email protected] SEE

    YOU ON THE COURSE NEXT YEAR!

    OUR 2015 GOLF COMMITTEE WORKED HARD TO BRING YOU A SUCCESSFUL DAY: Bruce Klingman, Bruce Sams, Christi White, Debbie Hubbell, Sherry Doty, Drew Brown, Erin VanGieson, John Losurdo, Lindsey Kleumpers, Lori Snelson, Lynette Chastain, Marti Powell, Matt Orlie, Paul Fredette, Raeshel Parker, Rick Pooler, Robert Ferguson, Roy Powell, Terry Banks, Toni Campbell, and

    Annabel Williams.

    Thank you for your hard work and decidation to our industry.pictures from the tournament are featured throughout this magazine.

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  • MEMBERSHIP BENEFITS

    We at IIAD are very proud of the services and benefits we bring to our industry. From recruiting and

    networking to education and young professional forums, IIAD is here to serve.

    Tammy Land, IIAD Executive

    Director

    RecruitingSave money by using IIADs in-house recruiter, Jaimee Goehring! Not only will your find your future star employee, but youll do it for a fraction of a traditional recruiters Finders Fee!

    NetworkingNo need to search out carriers throughout the Dallas-Fort Worth metroplex, meet them at one of our networking events!

    EducationAttend our lectures and seminars held throughout the year and learn more about topics that regularly affect your business.

  • WELCOME NEW IIAD MEMBERS!

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    NEW IIAD MEMBERS

    David Rembert AgencyDavid Rembert8235 Douglas Ave #625Dallas, TX 75225214-368-1445

    American Underwriting ManagersNena Boyd365 Miron Dr. Ste DSouthlake, TX 76092

    CofaceAnthony Fleo800 East Campbell RdRichardson TX 75081www.coface-usa.com

    Allied World Insurance CompanyKaycie Berley15601 Dallas Parkway Ste 1025Addison, TX 75001www.awac.com

    TEAM InsuranceElizabeth Koval16160 LBJ FreewayMesquite, TX 75150

    Connect InsuranceRobert Arnold and Brad Smith2500 Legacy #120Frisco, TX 75034www.connectinsurance.com

    Advanced E&S GroupApril Moeser/Lisa Sherman5000 Quorum Dr. Suite 525Dallas, TX 75254www.advancedesgroup.com

    Greenwood InternationalJohn Fisher2800 South Interstate Highway 35Suite 275Austin, TX 78704palig.com/gwi

    Euler HermesStephen Fox15301 Dallas Parkway Suite 1060Addison, TX 75024

    Sure TecAllsion Bond5741 Legacy Dr.Suite 210Houston, Plano 75024

  • The Dallas real estate market is sizzling again, outpacing the national home price average by more than 2-to-1 according to the most recent Case-Shiller Home Price Index.

    Strong economic growth throughout the region has, in part, spurred the market, resulting in numerous competitive offers for houses that hit the market, and sales agreements being in place before some homes are even listed. This is especially true among higher-valued properties where hip-pocket sales have become de rigueur.

    So what does this mean for retail insurance agents? Well, for those with clients whove recently purchased a home, it means its a great time to make sure they are adequately covered across all lines

    Hot Real Estate Market Is Perfect Opportunity to Help High-Net-Worth ClientsBy Chelsea Davis, AINS

  • 23

    of business auto, personal articles, umbrellas and other boutique coverages. In particular, its a great time to re-assess policy packages for high-net-worth insureds who need access to carriers who specialize in those classes of business.

    Even for those clients who have not recently purchased a home, its a good time to look at any changes in coverage needs. A lot of people are in better financial standing than they have been for years. Weve seen instances where high-net-worth clients have uninsured or underinsured exposures. Some of them have made new purchases that are not insured, either because they are unaware these coverages exist or incorrectly assume their standard homeowner policy will cover these items. Some simply remain exposed after cutting back coverages after the recession hit in 2008.

    The situation of underinsured high-net-worth customers is certainly nothing new. A 2013 white paper by ACE Private Risk Services showed that families with substantial assets who insure their homes, autos, watercraft and valuable collections with mass market, heavily advertised carriers overpay for protection that still leaves them exposed to severe financial loss.

    ACE Private Risk Services surveyed more than 600 independent agents and brokers in 2010 and again in 2012 about their new high-net-worth clients who were previously insured by a mass-market carrier. The agents answers revealed that overpaying to be underinsured worsened overall. On average, more agents in 2012 than in 2010 said each type of coverage was likely underinsured and each savings opportunity was likely missed.

    One way that retail agents can make sure this doesnt happen is by educating wealthy customers on how the specialty insurance markets can do a much better job of meeting their needs than the standard offerings of direct writers. This is where the solid relationships between carriers, brokers and retail agents become invaluable.

    While agents must pay attention to details and provide great risk management services, experienced brokers can help to ensure they arent overlooking anything and can help them get the very best coverages for their clients. Agents must go beyond just quoting policies and become true risk management advisors in order to uncover all possible risks, quantify their impact on the insured and ultimately provide solutions to protect them. Agents who can do this become a highly valuable and important long-term resource for their clients.

    While we encourage all agents to review policy packages annually, its important to keep in mind that these kinds of market trends present a unique opportunity to assist clients. Use them to give your clients the coverages that best suit their ever-evolving needs.

  • Brokerage. Underwriting. Programs. The new CRC family of companies delivers. Across our eight wholesale-dedicated brands, we have experts who can place risks of any size for nearly any industry.

    Our 54 offices, 1,700 employees, and 300 brokers and underwriters wrote more than $4 billion in premium last year. We are ready to introduce you to our growing family and say, "Welcome home to the new CRC!"

    www.crcins.com/ourfamily

    CRC | CRC|CRUMP | SOUTHERN CROSS | 5STAR | HANLEIGH | NEGLEY | TAPCO | TARGETCRC Insurance Services, Inc. CA license 0778135, Crump Insurance Services, Inc. CA license 0F44166

    Your New Wholesale Family

    14001 North Dallas Parkway Suite M100 Dallas, TX 75240972.371.7000 Phone866.723.6510 Toll Free972.371.7010 Fax

    7557 Rambler Road,Suite 300, Dallas, TX 75231214.363.7636 Phone800.522.7867 Toll Free214.691.5460 Fax

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  • Golf Tournament Sponsors

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    The 2015 IIAD Golf Tournament awarded 1st, 2nd, and 3rd place

    winners on the Blue and Gold Course.

    First Place Winners on the Blue course: Greg Parr, Bryan Walls, Barry

    Sans, Robert Collins

    First Place Winners on the Gold course:Jarrod Gardner, Lucas Boyd,

    Adam Swope, Curtis Beadling

    Thank you all for participating. Keep working on your swing and maybe you

    too can place next year!

    Golf Tournament Champions

    2012 Western Security Surplus, WSS is a licensed Surplus Lines Broker and MGA dealing exclusively with licensed and appointed Retail Insurance Brokers.

    California Insurance License #0622580 Texas License: #15210

    WHE TH E R I T S OU R

    OU T S TA ND I NG B A R / TAV E R N

    P RO GR AM OR A N Y O T H E R

    I N SU R A NC E P RODUC T N E E DED ,

    W S S I S H E L P I NG C U S TOME R S

    TOA S T S UC C E S S !

    ReadyT O S E R V E Y O U !

    A L W A Y S

    Western Security Surplus

    Cheers!wssib.com

  • SERVING OUR COMMUNITY FOR OVER 55 YEARS

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    DONT TEXT AND DRIVE

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    WATERBOURNE

    P A I N T SMaking the environmentbetter in your community

    WATERBORNE FINISHESWATERBORNE FINISHES

    VISIT US AT ANY OF OUR 8 CONVENIENT LOCATIONS

    HERB'S IS PROUD TO SUPPORT THE

    INDEPENDENT INSURANCEAGENTS OF DALLAS

    www.herbspaintandbody.com

  • 33

    IIAD Summer Intern: Kathryn Beatty

    Kathryn Beatty, a senior at Princeton High School, is interning with IIAD during the summer months through an internship program called Education is Freedom

    (EIF). She currently lives in Seagoville, but is moving to Princeton so her father can

    have a shorter commute.

    On top of interning for IIAD (which she absolutely loves), she is involved in a plethora of dynamic activities that keep her active: advanced placement courses, theater and drama club,

    varsity volleyball and softball, and the mock trial team. In her junior year, her classmates voted and elected her to be Junior Lady, which is a part of the

    Homecoming court.

    While she doesnt have much spare time after her school and extracurricular activities, Kathryn (Kat) dives into mystery novels, draws illustrations in her sketchbook, takes action and sports photos, and cooks Sunday dinner for her family. In addition to her human family, she has three dogs including a Border Collie, Jack Russell Terrier, and Basset Hound. Adding some flair to her house pets, Kat is also the proud owner and caretaker of an African

    Grey parrot named Stubbie, who is known to greet visitors and make banter at the smell and sizzle of bacon. Stubbie is a successful graduate of Kats ESOL (English as a Second Language) program, as his first language was

    Spanish. Perhaps teaching is in her future.

    Speaking of her future, Kat is in the process of picking and selecting a college to attend. She has had her heart set on UT for the majority of her life, but a recent visit to TCU opened her eyes and made her realize that she has options. Although she is unsure what she wants to major in, math is currently has favorite subject; maybe IIAD can guide her into a future as an Actuary.

    Kat will be in our office during the months of June and July, so please stop by the office to give her a warm welcome to our organization.

  • TEXASNON-SUBSCRIBERINSURANCE

    For More Info contact:

    Toni Campbell972.523.0858

    [email protected]

    WHY MIDLANDS FORTEXAS NON-SUBSCRIPTION?

    EASE OF DOING BUSINESS. Our program is one of the most agent- and insured-friendly in the industry. For example, insureds can use existing ERISA Plans and Arbitration Agreements.

    EXPERTISE. Our agents benefit from our more than 35 years combined employer benefits underwriting experience. New to Texas Non-Sub? Midlands will provide training and assistance at your discretion.

    SUPERIOR TPA SERVICES. With a full list of services available, you and the insured are supported and protected every step of the way.

    INDUSTRY LEADER. Midlands proprietary Texas Non-Sub program was developed in partnership with an "A" rated AM Best Carrier, Fitch Financial Strength Rating "A". For more than two decades Midlands has been a leader in the employee benefits space.

  • TEXASNON-SUBSCRIBERINSURANCE

    For More Info contact:

    Toni Campbell972.523.0858

    [email protected]

    WHY MIDLANDS FORTEXAS NON-SUBSCRIPTION?

    EASE OF DOING BUSINESS. Our program is one of the most agent- and insured-friendly in the industry. For example, insureds can use existing ERISA Plans and Arbitration Agreements.

    EXPERTISE. Our agents benefit from our more than 35 years combined employer benefits underwriting experience. New to Texas Non-Sub? Midlands will provide training and assistance at your discretion.

    SUPERIOR TPA SERVICES. With a full list of services available, you and the insured are supported and protected every step of the way.

    INDUSTRY LEADER. Midlands proprietary Texas Non-Sub program was developed in partnership with an "A" rated AM Best Carrier, Fitch Financial Strength Rating "A". For more than two decades Midlands has been a leader in the employee benefits space.

    35

    Clear Skies, Full Lakes, Can Loseby Jason M. Pond, Swingle Collins

    Boating season is finally here! Thanks to all of the rainfall in North Texas this year, lake levels are high and ready for some summer fun. Whether you own a boat, jet ski, yacht or house boat, it is important to take a moment to review the watercrafts insurance policy as well as general boating safety procedures before setting out

    on the water.

    When reviewing your watercraft insurance policy with a trusted insurance advisor, be sure to remember to go over a few key points such as operator age requirements and potential exclusions. In the state of Texas, it is a requirement that all watercraft operators be

    a minimum of thirteen years of age with a boaters license. This requirement varies by state.

    It is also important to note that state boater laws may not be recognized by your insurance carrier, meaning that certain policies may require boat operators to have their motor vehicle license in order to be covered under your

    policy.

    Some policies also hold a dusk to dawn exclusion meaning that coverage may be altered and reduced between dusk and dawn. Another exclusion that may appear is the towing exclusion. In the event that a boat or jet ski gets stuck on a sand bar or runs out of gas, the watercraft will need to be towed. Be sure to review this potential

    exclusion and ensure proper coverage is obtained.

    In addition to reviewing your watercraft insurance policy, it is equally important to refresh everyones memory on boating safety procedures. Heres an example of a brief safety checklist:

    -Clearly communicate where you are going on each boat ride and the amount of time you will be away -Ensure the watercrafts radio communications are functioning properly -Remain updated on the days weather forecast -Check fuel and fluid levels before embarking on the water -Store life preservers on the boat for the number and sizes of passengers on board -Become CPR certified in case of an emergency -Stay up to date on the latest boating education

    The summer is meant to be filled with fun in the sun. Do not let these potential risks prevent you from enjoying your time. Partner with a trusted insurance advisor to gain the proper protection available. Swingle Collins & Associates Personal Lines team is knowledgeable in watercraft insurance and is eager to serve each potential client.

  • Tammy LandExecutive Director of IIAD

    Jaimee GoehringDirector of

    Insurance Employment Services

    Jennifer TurnerExecutive Administrative Assistant of

    IIAD

  • IIADs Account Manager Certification Program is a blend of online and classroom training courses that will set the foundation of knowledge about Commercial lines that a new Account Manager needs to be successful in an

    independent agency.

    Each track includes online training, provided by WebCE, intended to cover an overview of the lines and two day classroom courses taught by experienced IIAD members discussing the lines in more detail; adding

    real-world experience and examples to the concepts.

    Participants will need to complete the WebCE 7-hour online training first; then, register for two separate half-day sessions

    of classroom trainings taking place at the IIAD Conference Center.

    AMCL costs $300 for IIAD members and $450for others. For more information, visit www.IIADallas.org

    Exclusively available through WebCE & IIADACCOUNT MANAGER COMMERCIAL LINES

    Independent Insurance Agents of Dallas has teamed up with WebCE, the leading insurance continuing education provider in North America, to bring you a unique

    certification program designed specifically for the Account Manager.This course is offered quarterly.

    37

  • 2 MYRON STEVES www.myronsteves.com

    4 TEXAS MUTUAL www.texasmutual.com

    6 HULL & CO www.hullco.com 8 GENESIS RESOURCES www.genesisresources.com

    10 BURNS & WILCOX www.burnsandwilcox.com 12 AmWINS BROKERAGE OF TEXAS www.amwins.com

    14 TRIIAD WWW.IIADALLAS.ORG

    24 CRC | CRC CRUMP www.crcins.com

    30 chubb www.chubb.com

    31 western security surplus www.wssib.com

    32 HERBS PAINT AND BODY www.herbspaintandbody.com

    34 MIDLANDS WWW.MIDLANDS.COM

    AMERISAFE WWW.AMERISAFE.COM

    36 u.s. risK www.usrisk.com

    39 APPLIED SYSTEMS WWW1.APPLIEDSYSTEMS.COM

    40 SERVICE LLOYDS INSURANCE COMPANY www.servicelloyds.com

    INDEX TO ADVERTISERS

  • appliedsystems.com

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    FRANK SWINGLE President Swingle Collins & Associates

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